Argo Group Announces 2012 Fourth Quarter and Full Year Results

  Argo Group Announces 2012 Fourth Quarter and Full Year Results

Business Wire

HAMILTON, Bermuda -- February 6, 2013

Argo Group International Holdings, Ltd. (NasdaqGS: AGII), an international
underwriter of specialty insurance and reinsurance products, today announced
financial results for the three and twelve months ended December 31, 2012.

"Notwithstanding Hurricane Sandy's impact on the fourth quarter, we made
significant progress towards our strategic, operational and financial goals,"
said Mark E. Watson III, CEO of Argo Group. "Three of our four business
segments produced premium growth and operating profits for the year, and we
continue executing on internal initiatives to enhance operating efficiency and
profitability. We have more work to do, but I'm optimistic overall about what
we can achieve."

HIGHLIGHTS FOR THE FOURTH QUARTER ENDED DECEMBER 31, 2012:

  *Gross written premiums were $389.7 million, an increase of $47.9 million
    or 14% over the fourth quarter of 2011.
  *Pre-tax operating loss^1 was $7.4 million compared to a loss of $11.0
    million in the fourth quarter of 2011.
  *Net loss was $4.7 million or $0.19 per diluted share compared to net
    income of $1.4 million or $0.05 per diluted share in the fourth quarter of
    2011.
  *The combined ratio was 109.6% compared to 112.5% in the fourth quarter of
    2011.
  *Estimated pre-tax catastrophe losses, net of reinsurance and estimated
    reinstatement premiums^2, were $47.9 million, all due to Hurricane Sandy.
    This compares to $36.1 million of catastrophe losses in the fourth quarter
    of 2011.

^1 – Results are before net realized investment gains, foreign currency
exchange (gains) losses, and debt extinguishment costs.

^2 – All subsequent references to catastrophe losses are pre-tax and net of
reinsurance and estimated reinstatement premium.

HIGHLIGHTS FOR THE YEAR ENDED DECEMBER 31, 2012:

  *Gross written premiums were $1.7 billion, an increase of $200.9 million or
    13% over 2011.
  *Pre-tax operating income ^ was $47.5 million compared to a pre-tax
    operating loss of $107.6 million for 2011.
  *Net income was $52.3 million or $2.01 per diluted share compared to a net
    loss of $81.9 million or $3.02 per diluted share for 2011.
  *The combined ratio was 104.6% compared to 119.8% for 2011.
  *Estimated catastrophe losses were $69.8 million in 2012, compared to
    $207.8 million of catastrophe losses and $9.3 million aggregate
    reinsurance cover losses in 2011.
  *Book value per share was $60.75 at December 31, 2012, an increase of 9.3%
    from $55.60 at December 31, 2011.

OTHER HIGHLIGHTS:

  *During the quarter, the Company repurchased $7.0 million or 211,404 shares
    of its common stock at an average share price of $33.18, representing 0.8%
    of net shares outstanding at September 30, 2012. During 2012, the Company
    repurchased $44.6 million or 1,488,308 shares of its common stock,
    representing 5.7% of net shares outstanding at December 31, 2011.
  *The Company incurred one-time pre-tax debt extinguishment costs of $2.2
    million due to the call premiums paid on redemption of certain capital
    trust securities.

FINANCIAL RESULTS

Three Months ended December 31, 2012

For the three months ended December 31, 2012, Argo Group reported a net loss
of $4.7 million or $0.19 per diluted share and a net operating loss after tax
of $5.9 million or $0.24 per diluted share. By comparison, the fourth quarter
of 2011 produced net income of $1.4 million or $0.05 per diluted share and a
net operating loss after tax of $9.3 million or $0.35  per diluted share. The
difference between the net loss and net operating loss in the quarter reflects
$7.0 million of pre-tax realized investment gains, a $1.5 million pre-tax
foreign currency exchange loss and $2.2 million of pre-tax debt extinguishment
costs. (See the complete reconciliation in the attached tables.)

Gross written premiums for the three months ended December 31, 2012 and 2011,
were $389.7 million and $341.8 million, respectively. Total revenue for the
three months ended December 31, 2012 and 2011, was $350.7 million and $318.6
million, respectively. Earned premiums for the three months ended December 31,
2012 and 2011, were $314.7 million and $278.0 million, respectively.

Argo Group's combined ratios for the three months ended December 31, 2012 and
2011 were 109.6% and 112.5%, respectively. Catastrophe losses were $47.9
million in fourth quarter 2012 compared to $36.1 million in the same period in
2011. Favorable prior year loss development was $9.6 million compared to $5.0
million for the three months ended December 31, 2011.

Net investment income for the three months ended December 31, 2012 and 2011,
was $28.5 million and $29.5 million, respectively. For the three months ended
December 31, 2012, the Company reported net realized investment gains of $7.0
million versus net realized investment gains of $11.5 million for the same
period in 2011.

Year ended December 31, 2012

For the year ended December 31, 2012, Argo Group reported net income of $52.3
million or $2.01 per diluted share and net operating income after tax of $38.0
million or $1.46 per diluted share. By comparison, the year ended December 31,
2011 produced a net loss of $81.9 million or $3.02 per diluted share and a net
operating loss after tax of $91.5 million or $3.36  per diluted share. The
difference between net income and net operating income for 2012 includes $25.7
million of pre-tax realized investment gains, a $4.3 million pre-tax foreign
currency exchange loss and $2.2 million of pre-tax debt extinguishment costs.
(See the complete reconciliation in the attached tables.)

Gross written premiums for 2012 were $1.7 billion compared to $1.5 billion in
2011. Total revenue was $1.3 billion in both 2012 and 2011. Earned premiums
for 2012 were $1.2 billion compared to $1.1 billion in 2011.

Argo Group's combined ratio for 2012 was 104.6% compared to 119.8% for 2011.
Results in 2012 were impacted by catastrophe losses of $69.8 million,
including $47.9 million from Hurricane Sandy. Results in 2011 were impacted by
catastrophe losses of $207.8  million and aggregate reinsurance cover losses
of $9.3 million. Included in the results for 2012 was favorable prior year
reserve development of $27.4 million versus $3.4 million in 2011.

Net investment income for 2012 and 2011, respectively, was $118.8 million and
$125.8 million. Net realized investment gains for the year ended December 31,
2012 and 2011, were $25.7 million and $49.2 million, respectively. At December
31, 2012, the investment portfolio totaled $4.2 billion with a net pre-tax
unrealized gain of approximately $305 million.

SEGMENT RESULTS

Excess & Surplus Lines (E&S) – In the fourth quarter of 2012, gross written
premiums for E&S totaled $130.6 million and pre-tax operating income was $17.8
million. This compares to gross written premiums of $121.6 million and pre-tax
operating income of $24.3 million in the fourth quarter of 2011. The combined
ratios for the fourth quarters of 2012 and 2011 were 92.6% and 86.6%,
respectively. Underwriting results include favorable prior year loss
development of $9.0 million in the fourth quarter of 2012 and $16.0 million in
the same period in 2011. Catastrophe losses were $2.6 million in the fourth
quarter of 2012 and immaterial in the same period in 2011.

For 2012, gross written premiums for E&S totaled $513.5 million and pre-tax
operating income was $74.1 million. This compares to gross written premiums of
$478.9 million and pre-tax operating income of $65.9 million in 2011. The
combined ratios for 2012 and 2011 were 91.9% and 95.5%, respectively.
Underwriting results include favorable prior year loss development of $42.5
million in 2012 and $33.8 million in 2011. Catastrophe losses were $12.6
million in 2012 and $7.8 million in 2011.

Commercial Specialty – In the fourth quarter of 2012, gross written premiums
for Commercial Specialty totaled $91.8 million, compared to $93.7 million in
the fourth quarter of 2011. The segment reported a pre-tax operating loss of
$13.0 million in the fourth quarter of 2012, compared to income of $3.7
million in the same period in 2011. The combined ratios for the fourth
quarters of 2012 and 2011 were 122.9% and 101.7%, respectively. Catastrophe
losses were $8.8 million in the fourth quarter of 2012 and $1.5 million in the
same period in 2011. Underwriting results include unfavorable prior year loss
development of $3.6 million in the fourth quarter of 2012 and $3.7 million in
the same period in 2011.

For 2012, gross written premiums for Commercial Specialty totaled $437.0
million, compared to $428.8 million in 2011. The segment reported a pre-tax
operating loss of $24.8 million for 2012, compared to a loss of $3.6 million
in 2011. The combined ratios for 2012 and 2011 were 115.1% and 108.3%,
respectively. Underwriting results include unfavorable prior year loss
development of $22.2 million in 2012 and $8.4 million in 2011. Catastrophe
losses were $16.7 million in 2012 and $23.6 million in 2011.

International Specialty – In the fourth quarter of 2012, gross written
premiums for International Specialty totaled $58.1 million, compared to $23.7
million in the fourth quarter of 2011. The segment reported a pre-tax
operating loss of $10.7 million in the fourth quarter of 2012, compared to a
loss of $7.0 million in the same period in 2011. The combined ratios for the
fourth quarters of 2012 and 2011 were 131.3% and 134.7%, respectively.
Underwriting results include favorable prior year loss development of $2.7
million in the fourth quarter of 2012 and $1.0 million in the same period in
2011. Catastrophe losses were $18.3 million in the fourth quarter of 2012 and
$18.3 million in the fourth quarter of 2011.

For 2012, gross written premiums for International Specialty totaled $260.2
million and pre-tax operating income was $11.3 million. This compares to gross
written premiums of $198.2 million and a pre-tax operating loss of $70.9
million in 2011. The combined ratios for 2012 and 2011 were 97.1% and 177.5%,
respectively. Underwriting results include favorable prior year loss
development of $7.2 million in 2012 and $4.6 million in 2011. Catastrophe
losses were $19.3 million in 2012, compared to catastrophe losses of $111.9
million and $9.3 million in aggregate reinsurance cover losses in 2011.

Syndicate 1200 – In the fourth quarter of 2012, gross written premiums for
Syndicate 1200 were $108.9 million and pre-tax operating income was $10.1
million. This compares to gross written premiums of $102.8 million and a
pre-tax operating loss of $18.0 million in the fourth quarter of 2011. The
combined ratios for the fourth quarters of 2012 and 2011 were 93.9% and
129.5%, respectively. Underwriting results in the fourth quarter of 2012
include favorable prior year loss development of $5.3 million compared to
unfavorable prior year loss development of $3.9 million in the fourth quarter
of 2011. Catastrophe losses were $18.2 million in the fourth quarter of 2012
and $16.4 million in the same period in 2011.

For 2012, gross written premiums for Syndicate 1200 were $533.4 million and
pre-tax operating income was $28.1 million. This compares to gross written
premiums of $438.5 million and a pre-tax operating loss of $67.0 million in
2011. The combined ratios for 2012 and 2011 were 96.2% and 131.7%,
respectively. Underwriting results for 2012 include favorable prior year loss
development of $9.7 million compared to unfavorable prior year loss
development of $18.7 million in 2011. Catastrophe losses were $21.2 million in
2012 and $64.5 million in 2011.

Run-off Segment – Argo Group’s Run-off segment includes financial results for
(a) asbestos and environmental liabilities; (b) the former Risk Management
segment; and (c) all legacy operations for PXRE Group. For the fourth quarter
of 2012, the Run-off segment produced pre-tax operating income of $0.6 million
compared to a pre-tax operating loss of $3.3 million for the fourth quarter of
2011. Run-off results for the fourth quarter of 2012 include unfavorable prior
year loss development of $3.8 million compared to unfavorable prior year loss
development of $4.4 million in the fourth quarter of 2011.

For 2012, the Run-off segment produced a pre-tax operating loss of $0.9
million compared to a pre-tax operating loss of $5.3 million in 2011. Results
for 2012 include unfavorable prior year loss development of $9.8 million
compared to unfavorable prior year loss development of $7.9 million in 2011.

CONFERENCE CALL

Argo Group management will conduct an investor conference call starting at
11:30 a.m. EST (12:30 p.m. AST) tomorrow, February 7, 2013.

A live webcast of the conference call can be accessed by visiting Argo Group’s
Investor Relations Website at
http://www.argolimited.com/pages/investors/events-and-webcasts. Participants
inside the U.S. and Canada can access the call by phone by dialing (888)
771-4383 (pass code: 34121377). Callers dialing from outside the U.S. and
Canada can access the call by dialing (847) 585-4407 (pass code: 34121377).

To expedite access to the call and minimize hold times, participants can
pre-register for the call here: (CLICK HERE). To add this event to your email
calendar, copy and paste the following URL into your browser:
http://web.meetme.net/r.aspx?p=13&a=UXqVsDdyNVrPSq&t=A&u=P.

A webcast replay will be available shortly after the conference call and can
be accessed at http://www.argolimited.com/pages/investors/events-and-webcasts.
In addition, a telephone replay of the call will be available through February
14, 2013, to callers from inside the U.S. and Canada by dialing (888) 843-7419
(pass code: 7009852#). Callers dialing from outside the U.S. and Canada can
access the telephone replay by dialing (630) 652-3042 (pass code: 7009852#).

ABOUT ARGO GROUP INTERNATIONAL HOLDINGS, LTD.

Argo Group International Holdings, Ltd. (NasdaqGS: AGII) is an international
underwriter of specialty insurance and reinsurance products in the property
and casualty market. Argo Group offers a full line of products and services
designed to meet the unique coverage and claims handling needs of businesses
in four primary segments: Excess & Surplus Lines, Commercial Specialty,
International Specialty and Syndicate 1200. Argo Group's insurance
subsidiaries are A. M. Best-rated 'A' (Excellent) (third highest rating out of
16 rating classifications) with a stable outlook, and Argo's U.S. insurance
subsidiaries are Standard and Poor's-rated 'A-' (Strong) with a stable
outlook. More information on Argo Group and its subsidiaries is available at
www.argolimited.com.

FORWARD-LOOKING STATEMENTS

This press release contains certain statements that are “forward-looking
statements” within the meaning of Section 27A of the Securities Act of 1933
and Section 21E of the Securities Exchange Act of 1934, as amended. Such
statements are qualified by the inherent risks and uncertainties surrounding
future expectations generally and also may differ materially from actual
future experience involving any one or more of such statements. For a more
detailed discussion of such risks and uncertainties, see Argo Group's filings
with the SEC. The inclusion of a forward-looking statement herein should not
be regarded as a representation by Argo Group that Argo Group's objectives
will be achieved. Argo Group undertakes no obligation to publicly update
forward-looking statements, whether as a result of new information, future
events or otherwise.


ARGO GROUP INTERNATIONAL HOLDINGS, LTD.
CONSOLIDATED BALANCE SHEETS
(in millions, except per share amounts)
                                                        
                                            December 31,     December 31,
                                            2012             2011
                                            (unaudited)      (as adjusted) (a)
Assets
Total investments                           $   4,200.7      $      4,145.7
Cash and cash equivalents                       95.8                102.7
Accrued investment income                       30.3                32.3
Receivables                                     1,681.9             1,453.1
Goodwill and intangible assets                  245.3               246.8
Deferred acquisition costs                      99.4                101.5
Ceded unearned premiums                         193.6               179.4
Other assets                                   141.9              116.8
Total assets                                $   6,688.9      $      6,378.3
                                                             
Liabilities and Shareholders' Equity
Reserves for losses and loss adjustment     $   3,223.5      $      3,291.1
expenses
Unearned premiums                               730.2               658.2
Ceded reinsurance payable                       612.1               424.5
Senior unsecured fixed rate notes               143.8               -
Other indebtedness                              63.8                65.5
Junior subordinated debentures                  193.3               311.5
Other liabilities                              208.1              164.5
Total liabilities                               5,174.8             4,915.3
                                                             
Total shareholders' equity                     1,514.1            1,463.0
Total liabilities and shareholders'         $   6,688.9      $      6,378.3
equity
                                                             
Book value per common share                 $   60.75        $      55.60

(a) Retrospectively adjusted for the accounting amendment which modified the
definition of deferred acquisition costs.


ARGO GROUP INTERNATIONAL HOLDINGS, LTD.
FINANCIAL HIGHLIGHTS
ALL SEGMENTS
(in millions, except per share amounts)
                                                            
                        Three Months Ended            Twelve Months Ended
                        December 31,                  December 31,
                        2012          2011            2012            2011
                                      (as                             (as
                                      adjusted)       (unaudited)     adjusted)
                                      (a)                             (a)
                        (unaudited)
                                                                      
Gross Written           $ 389.7       $ 341.8         $  1,745.7      $ 1,544.8
Premiums
Net Written               277.5         249.0            1,244.5        1,071.8
Premiums
                                                                      
Earned Premiums           314.7         278.0            1,186.5        1,082.0
Net Investment            28.5          29.5             118.8          125.8
Income
Net Realized              7.0           11.5             25.7           49.2
Investment Gains
Fee Income               0.5         (0.4  )         5.3           1.4     
(Expense), net
Total Revenue             350.7         318.6            1,336.3        1,258.4
                                                                      
Losses and Loss           219.7         198.7            747.6          863.1
Adjustment Expenses
Other
Reinsurance-Related       6.5           2.8              27.3           5.9
Expenses
Underwriting,
Acquisition and           118.2         111.0            464.5          425.7
Insurance Expenses
Interest Expense          6.7           5.6              23.7           22.1
Debt Extinguishment       2.2           0.0              2.2            0.0
Costs
Foreign Currency
Exchange Loss            1.5         (7.6  )         4.3           3.5     
(Gain)
Total Expenses            354.8         310.5            1,269.6        1,320.3
                                                                      
(Loss) Income             (4.1  )       8.1              66.7           (61.9   )
Before Taxes
Income Tax               0.6         6.7            14.4          20.0    
Provision
Net (Loss) Income       $ (4.7  )     $ 1.4          $  52.3         $ (81.9   )
                                                                      
                                                                      
Net (Loss) Income
per Common Share        $ (0.19 )     $ 0.05         $  2.05         $ (3.02   )
(Basic)
                                                                      
                                                                      
Net (Loss) Income
per Common Share        $ (0.19 )     $ 0.05         $  2.01         $ (3.02   )
(Diluted)
                                                                      
Weighted Average
Common Shares:
Basic                    25.1        26.6           25.5          27.2    
Diluted                  25.1        26.9           26.0          27.2    

(a) Retrospectively adjusted for the accounting amendment which modified the
definition of deferred acquisition costs.


ARGO GROUP INTERNATIONAL HOLDINGS, LTD.
SEGMENT DATA
(in millions)

                 Three Months Ended            Twelve Months Ended
                   December 31,                     December 31,
                   2012        2011               2012          2011
                                 (as                                (as
                                 adjusted)          (unaudited)     adjusted)
                                 (a)                                (a)
                   (unaudited)
Excess &
Surplus Lines
Gross Written      $ 130.6       $  121.6           $  513.5        $  478.9
Premiums
Net Written          107.3          100.7              420.8           390.0
Premiums
Earned               103.8          99.5               399.3           405.3
Premiums
Underwriting       $ 7.7         $  13.4            $  32.1         $  18.4
Income
Net Investment       12.6           13.2               51.1            56.0
Income
Interest            (2.5  )       (2.3   )          (9.1   )       (8.5  )
Expense
Operating
Income Before      $ 17.8       $  24.3           $  74.1        $  65.9  
Taxes
Loss Ratio           56.3  %        52.7   %           55.9   %        61.0  %
Expense Ratio       36.3  %       33.9   %          36.0   %       34.5  %
GAAP Combined       92.6  %       86.6   %          91.9   %       95.5  %
Ratio
Commercial
Specialty
Gross Written      $ 91.8        $  93.7            $  437.0        $  428.8
Premiums
Net Written          58.3           66.4               306.4           317.2
Premiums
Earned               75.7           83.0               317.5           316.7
Premiums
Underwriting       $ (17.2 )     $  (1.4   )        $  (47.8  )     $  (26.4 )
Loss
Net Investment       7.0            6.7                27.6            27.7
Income
Interest             (1.7  )        (1.3   )           (5.9   )        (5.0  )
Expense
Fee (Expense)       (1.1  )       (0.3   )          1.3           0.1   
Income, net
Operating
(Loss) Income      $ (13.0 )     $  3.7            $  (24.8  )     $  (3.6  )
Before Taxes
Loss Ratio           90.3  %        69.6   %           81.0   %        74.6  %
Expense Ratio       32.6  %       32.1   %          34.1   %       33.7  %
GAAP Combined       122.9 %       101.7  %          115.1  %       108.3 %
Ratio
International
Specialty
Gross Written      $ 58.1        $  23.7            $  260.2        $  198.2
Premiums
Net Written          26.9           10.0               145.5           97.4
Premiums
Earned               39.3           25.3               130.1           101.3
Premiums
Underwriting       $ (11.7 )     $  (8.9   )        $  3.4          $  (78.6 )
(Loss) Income
Net Investment       2.3            2.8                12.3            10.9
Income
Interest            (1.3  )       (0.9   )          (4.4   )       (3.2  )
Expense
Operating
(Loss) Income      $ (10.7 )     $  (7.0   )        $  11.3        $  (70.9 )
Before Taxes
Loss Ratio           96.5  %        96.8   %           60.9   %        147.1 %
Expense Ratio       34.8  %       37.9   %          36.2   %       30.4  %
GAAP Combined       131.3 %       134.7  %          97.1   %       177.5 %
Ratio
Syndicate 1200
Gross Written      $ 108.9       $  102.8           $  533.4        $  438.5
Premiums
Net Written          84.7           71.9               370.2           266.8
Premiums
Earned               95.6           71.1               337.9           259.3
Premiums
Underwriting       $ 5.7         $  (21.0  )        $  12.5         $  (82.3 )
Income (Loss)
Net Investment       3.9            3.9                15.3            17.2
Income
Interest             (1.1  )        (0.8   )           (3.7   )        (3.2  )
Expense
Fee Income          1.6          (0.1   )          4.0           1.3   
(Expense), net
Operating
Income (Loss)      $ 10.1       $  (18.0  )        $  28.1        $  (67.0 )
Before Taxes
Loss Ratio           56.9  %        83.7   %           55.7   %        85.8  %
Expense Ratio       37.0  %       45.8   %          40.5   %       45.9  %
GAAP Combined       93.9  %       129.5  %          96.2   %       131.7 %
Ratio

(a) Retrospectively adjusted for the accounting amendment which modified the
definition of deferred acquisition costs.


ARGO GROUP INTERNATIONAL HOLDINGS, LTD.
RECONCILIATION OF OPERATING (LOSS) INCOME TO NET (LOSS) INCOME
(in millions, except per share amounts)
                                                           
                         Three Months Ended          Twelve Months Ended
                         December 31,                December 31,
                         2012        2011            2012        2011
                                     (as adjusted)               (as adjusted)
                                     (a)                         (a)
                         (unaudited)                 (unaudited)
                                                                 
(Loss) Income Before
Taxes:
From Operations          $ (7.4  )   $   (11.0  )    $ 47.5      $  (107.6  )
Foreign Currency           (1.5  )       7.6           (4.3  )      (3.5    )
Exchange (Loss) Gain
Debt Extinguishment        (2.2  )       -             (2.2  )      -
Costs
Net Realized              7.0         11.5        25.7       49.2    
Investment Gains
(Loss) Income Before       (4.1  )       8.1           66.7         (61.9   )
Taxes
Income Tax Provision      0.6         6.7         14.4       20.0    
Net (Loss) Income        $ (4.7  )   $   1.4        $ 52.3     $  (81.9   )
                                                                 
                                                                 
Net (Loss) Income
per Common Share         $ (0.19 )   $   0.05       $ 2.01     $  (3.02   )
(Diluted)
                                                                 
After Tax Net
Operating (Loss)
Income
Operating (Loss)         $ (7.4  )   $   (11.0  )    $ 47.5      $  (107.6  )
Income Before Taxes
Income Tax (Benefit)      (1.5  )      (1.7   )     9.5        (16.1   )
Provision (b)
Net Operating (Loss)     $ (5.9  )   $   (9.3   )    $ 38.0     $  (91.5   )
Income After Tax
                                                                 
Operating (Loss)
Income per Common
Share (Diluted)
At Assumed Tax Rate:
(Loss) Income (b)          (0.13 )       0.25          2.05         (1.93   )
Foreign Currency
Exchange Loss (Gain)       0.05          (0.24  )      0.13         0.11
(b)
Debt Extinguishment        0.07          -             0.07         -
Costs (b)
Net Realized              (0.23 )      (0.36  )     (0.79 )     (1.54   )
Investment Gains (b)
                                                                 
Operating (Loss)
Income per Common         (0.24 )      (0.35  )     1.46       (3.36   )
Share (Diluted)

(a) Retrospectively adjusted for the accounting amendment which modified the
definition of deferred acquisition costs.

(b) At assumed tax rate of 20% for 2012 and 15% for 2011.

Contact:

Argo Group International Holdings, Ltd.
Jay Bullock, 441-278-3727
Chief Financial Officer
or
George Luecke, 212-607-8802
Group Treasurer & SVP, IR
 
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